Second Charge Mortgage Products

Our mortgages

Pepper Money is a leading second charge mortgage provider for homeowners in England, Wales and Scotland. Whether your customer is looking to consolidate debt or fund home improvements we offer competitive fixed, discounted and variable rate products.

How we can help you

Our aim is to provide you with a second charge mortgage that meets your clients individual and personal circumstances.

Our partners

Building lasting relationships

Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers. We are always interested in building new partnerships and we pride ourselves on the lasting relationships we build with our broker intermediaries.

Our BDMs

Lending criteria at a glance


If a case falls outside our standard criteria we may still be able to help.

North & Scotland

Luke Edwards

South & Wales

Matthew Batte